Having to pay for overpriced car insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.
Popular companies such as Allstate, Progressive and GEICO promote their brand names with ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.
If you have car insurance now, you will be able to reduce your rates substantially using this information. Buying car insurance in West Des Moines is not that difficult. But Iowa drivers do need to learn how the larger insurance companies sell online and apply this information to your search.
Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. A few discounts will automatically apply when you purchase, but a few need to be inquired about prior to receiving the credit.
Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.
To choose insurance companies offering car insurance discounts in West Des Moines, click this link.
It’s important that you understand the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to big savings.
Listed below are some of the factors companies use to determine prices.
Some consumers would rather buy from a local agent and that is OK! One of the great benefits of getting online price quotes is the fact that you can find better rates but also keep your business local. And supporting local businesses is important particularly in West Des Moines.
Upon completion of this form (opens in new window), the coverage information is submitted to companies in West Des Moines who will compete for your coverage. There is no need to even leave your home because quoted prices will be sent directly to your email. How cool is that?! You can find the lowest rates and a licensed agent to work with.
When looking for a reliable agent, there are two types of agencies that you can select. West Des Moines agents are classified as either independent or captive.
Independent insurance agents are not required to write business for one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, it’s a good idea to contact at least one independent agent to ensure the widest selection of prices.
Shown below is a list of independent agencies in West Des Moines that may be able to provide comparison quotes.
Combined Insurance Co – 4601 Westown Pkwy # 132 – West Des Moines, IA 50266 – (515) 327-8967
Dennis George Insurance Svc – 1200 35th St – West Des Moines, IA 50266 – (515) 223-1761
Carl Konz Agency – 6800 Lake Dr # 295 – West Des Moines, IA 50266 – (515) 222-0776
James Bellman Agency – 1501 42nd St # 230 – West Des Moines, IA 50266 – (515) 224-6404
C Mac Chambers Agency – 3737 Woodland Ave # 640 – West Des Moines, IA 50266 – (515) 225-1444
Captive agents can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot shop your coverage around so keep that in mind. These agents receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.
The following are West Des Moines captive agencies that are able to give comparison quotes.
American Family Insurance – 422 46th St – West Des Moines, IA 50265 – (515) 267-1004
Allstate Insurance – 3636 Westown Pkwy # 204 – West Des Moines, IA 50266 – (515) 225-6401
Shelter Insurance – 1332 Grand Ave – West Des Moines, IA 50265 – (515) 334-0800
State Farm Insurance – 4800 Mills Civic Pkwy # 102 – West Des Moines, IA 50265 – (515) 224-9498
For a complete listing of captive agencies in West Des Moines, simply jump to this page.
Choosing an insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:
Once you have received positive responses to these questions and an affordable coverage quote, chances are good that you have found an auto insurance agent that meets your needs to service your policy.
Car insurance companies such as Progressive, Allstate and GEICO consistently run ads in print and on television. They all seem to have a common claim of big savings if you change your coverage to them. How does each company make almost identical claims?
Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a profitable customer could be between 30 and 50, a clean driving record, and has a short commute. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.
Potential insureds who fall outside this ideal profile will be quoted a higher premium and ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings.
This emphasizes why drivers should get quotes from several different companies. It’s not possible to predict which company will provide you with the cheapest rates.
Additional information is located on the website for the Iowa Insurance Division located here. Iowa drivers can discover disciplinary actions, find disaster information, download brochures, and find a variety of consumer forms.
Affordable car insurance can be sourced both online as well as from independent agents in West Des Moines, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.
As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
We just presented many ideas to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers may even find the best price on car insurance is with a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.